Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Anthony P.

Monthly increase from $35.ish to 69.00ish

This company has had one claim from me in 9 plus years, I called because my monthly cost went up almost $25.00, if I had numerous claims maybe I would understand, but one claim, increase almost $25.00 due to my cats age - just turned 10 and has a really good bill of health from the vet. That is ridiculous!!!!!!
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5

out of 5

POSTED: | BY: Linda G

Super Easy to submit a claim

This submission went off without a hitch. I used my laptop because the APP is annoying.
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5

out of 5

POSTED: | BY: Rosangela de Azevedo

Rebecca was great

Rebecca was great, a true help. I hope this insurance will be exactly what it says it is. The process was clear, easy.
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4

out of 5

POSTED: | BY: kim french

Good company but the monthly

Good company but the monthly charges are very expensive. There was no hassle when I canceled the policy.
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5

out of 5

POSTED: | BY: Joy

Great service

The staff was wonderful in assisting me with my claims. Not only is submitting claims through the website both intuitive and quick, when an issue arose with missing paperwork, the staff was extremely helpful in getting to a resolution. I had issues with paperwork from a previous vet and although it wasn't a quick resolution, due to the vet, Embrace was very patient and extremely helpful in getting to a positive resolution.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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